Brandon Mullen @bmullen247
He/Him; I’m the life of the party... if that party was at home, on the couch, watching Harry Potter, and avoiding studying for the CPA Exam Joined January 2012-
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New: In late 2024, FBI investigators had enough evidence to launch a sweeping bribery probe that could ensnare top lawmakers, including Sen. Susan Collins. Then Trump was reelected and eviscerated the FBI and DOJ teams handling public corruption probes. propub.li/4yLLwaF
So the Cavs wasted weeks of time this offseason to wind up empty handed… lol.
@RuiterWrongFAN Daryl, the most important question is, will there be a camera that will be showing the construction progress that we can watch?
“Billy, this is your Sunday afternoon. There are no sports to watch so you have no excuse not to go out and do something. The only problem is there is two feet of snow and it’s fucking negative ten degrees out.”
Wow…
Monken… could have been worse. Not excited by the decision. To be fair, it was a stark difference from how I felt about the last 4 head coaches hired (Pettine, Hue, Freddy, Kevin) and the didn’t really pan out did they? (Kevin found success but he fizzled out). Time will tell.
The longer the Browns coaching search goes on, the more ridiculous this becomes
I’ve loved listening to 92.3 the fan, and love that they are on YouTube and I can watch them live while at work. I’ve missed listening to them every day. But I forgot how much the Baskin & Phelps show pisses me off.
COMMANDER: We’re fighting for freedom. And part of that freedom… is the freedom to retire with dignity. So we’re going to start accounts called 401(k)s. SOLDIER 1: What’s a 401(k)? COMMANDER: It’s a retirement account. You put money in, it grows tax-free, you take it out when you’re old. SOLDIER 2: So I don’t pay taxes on it? COMMANDER: Well, you pay taxes later. When you withdraw. SOLDIER 2: So it’s not tax-free. COMMANDER: It’s…tax-deferred. SOLDIER 2: What’s the difference? COMMANDER: You pay taxes later instead of now. SOLDIER 1: What if I want to pay taxes now? COMMANDER: Then you do a Roth 401(k). SOLDIER 3: What’s a Roth? COMMANDER: You pay taxes now, and it grows tax-free. SOLDIER 2: That’s what I thought the first one was. COMMANDER: No, the first one you pay taxes later. SOLDIER 1: Which one’s better? COMMANDER: Depends on your tax bracket in retirement. SOLDIER 1: …How would I…know that? COMMANDER: You don’t. You just guess. ⸻ SOLDIER 4: What if I don’t have a 401(k) through my employer? COMMANDER: Then you open an IRA. SOLDIER 4: What’s the difference? COMMANDER: One’s through your job, one’s on your own. SOLDIER 4: Can I have both? COMMANDER: Yes. SOLDIER 4: Should I? COMMANDER: Maybe. SOLDIER 3: Can I do a Roth IRA? COMMANDER: Only if you make under a certain amount. SOLDIER 3: What’s the limit? COMMANDER: Changes every year. SOLDIER 2: What if I make too much? COMMANDER: Then you do a backdoor Roth by putting it in a Traditonal first. SOLDIER 2: …Is that legal? COMMANDER: Surprisingly, yes. SOLDIER 1: What’s a backdoor Roth? COMMANDER: You contribute to a traditional IRA, then convert it to a Roth…but watch out for “pro rata”. SOLDIER 1: Why wouldn’t I just contribute to the Roth directly? COMMANDER: Because you make too much money. SOLDIER 1: But this way I can? COMMANDER: Yes. SOLDIER 1: That feels like a loophole. COMMANDER: It is. But the IRS is cool with it. ⸻ SOLDIER 5: I just changed battalions. What do I do with my old 401(k)? COMMANDER: You roll it over. SOLDIER 5: Into what? COMMANDER: An IRA. Or your new 401(k). Depends. SOLDIER 5: On what? COMMANDER: The funds. The fees. Whether your new plan accepts rollovers. SOLDIER 5: What if I just take the money out? COMMANDER: You’ll pay taxes plus a 10% penalty. SOLDIER 5: What if I’m 59? COMMANDER: Penalty. SOLDIER 5: 59 and a half? COMMANDER: No penalty. SOLDIER 5: …The half matters? COMMANDER: The half matters. ⸻ SOLDIER 3: What’s a mega backdoor Roth? COMMANDER: Okay. So. Your 401(k) has a limit of how much you can contribute. SOLDIER 3: Right. COMMANDER: But the total limit including employer contributions is higher. SOLDIER 3: Okay… COMMANDER: So if your plan allows ~after-tax~ contributions, you can put in more, then convert that to Roth. SOLDIER 3: Does my plan allow that? COMMANDER: I don’t know. You have to ask Betsy. SOLDIER 3: Will Betsy know? COMMANDER: Probably not. ⸻ SOLDIER 2: Can I deduct my IRA contribution on my taxes? COMMANDER: Are you covered by a retirement plan at work? SOLDIER 2: Yes. COMMANDER: Then only if you make under a certain amount per year. SOLDIER 2: What’s the amount? COMMANDER: Depends if you’re married. SOLDIER 2: What if my wife has a plan but I don’t? COMMANDER: Different limit. SOLDIER 2: What if neither of us has a plan? COMMANDER: Full deduction. SOLDIER 2: So it’s better to not have a 401(k)? COMMANDER: No… ⸻ SOLDIER 1: Can I just keep my money in a sock? COMMANDER: You could. But inflation will slowly destroy it. SOLDIER 1: What’s inflation? COMMANDER: (sighs)…
On the bright side: We don’t have to listen to Gus Johnson until next season
Let’s not lose our heads. We have a game to play next week.
This is what this means to us. F*ck ❌ichigan. O-H
Brutus Buckeye draws ‘Script Ohio’ after crossing out the ‘M’ in Michigan’s end zone in the snow! 👀😂 Video: Paris McGee Jr, Cleveland.com
@paramountplus hey, why is your app not working? I should be able to watch my local game
@paramountplus hey, is there a reason your app won’t show the NFL game that I KNOW is available to watch???
Not a good day for the Browns special teams
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